AI Wealth Manager
Free For Everyone

Stop paying up to $20/month for budgeting apps that only show your past. Get real-time answers and a clear view of your financial future.

Chat with Your Financial AI

Get instant, personalized answers to all your financial questions. From "Can I afford this?" to "How can I save more?", Pearl has you covered.

  • 💬 Natural conversation interface
  • 🧠 Contextual financial insights
  • ⚡ Instant personalized responses

See Your Financial Future

Unlike traditional budgeting apps that only show the past, Pearl predicts your financial trajectory and alerts you before problems arise.

  • 🔮 Future cash flow predictions
  • ⚠️ Early warning system
  • 📊 Personalized projections

Financial Forecast

📈

6-Month Outlook

On track to save $12,400

⚠️

Spending Alert

Dining out increased 40% this month

🎯

House Down Payment

Projected completion: March 2026

Free & Open Banking

Manage your money with complete freedom. Pearl gives you free access to view all your finances in one place and AI-powered financial tools with simple, secure, and open banking for everyone.

  • 🆓 Features from costly budgeting apps are free to use
  • 🏦 Secure open banking with Flinks
  • 🤖 Your personal AI finance assistant
  • 🌍 Financial wellness made accessible
🏦Bank
💳Credit
📈Invest
💰Savings
🤖Your AI Wealth Manager

Your Complete Financial Dashboard

Connect all your accounts for a comprehensive view of your wealth. Track everything from checking accounts to investments in one intelligent platform.

  • 🏦 View all your investments, IRAs, 401ks and more
  • 📈 Track all your income, spending, and debt
  • 🔒 See all your finances in one place
Good morning, Alex
Projected Net Worth$427,540

How We Protect Your Data

Privacy-first design with multiple layers of encryption, secure key management, and strict access controls — so your personal and financial data stays safe, anonymous, and private at every step.

  • 🔐 AES 256-bit encryption at rest, TLS in transit
  • 🛡️ Your identity has a second layer of encryption with AWS KMS
  • 🚫 We don't store your credentials, we use Flinks a US regulated open banking processor
  • 🤖 Pearl AI doesnt have access to who you are, only processes anonymous data

Stay Ahead With Smart Alerts

Receive proactive notifications about your financial health. Pearl monitors your spending patterns and alerts you before you go off track.

  • 🔔 Proactive spending alerts
  • 💰 Savings opportunities
  • 🎯 Goal progress updates

Disclaimer

Important Notice

The materials on this website, in the Pearl app, and in related communications are for informational purposes only and do not constitute financial, investment, legal, or tax advice. Pearl Tech Inc. ("Pearl," "we," or "us") is not currently registered as an investment adviser, broker-dealer, or fiduciary and does not provide personalized investment recommendations.

Current Platform Status

Pearl is in a waitlist / beta phase.

No live trades, money movement, or automated investing is available at this time.

Future automation and advisory features will launch only after we obtain all required regulatory approvals (including any necessary SEC registration) and notify users.

Investment Risks

Investing involves risk, including possible loss of principal.

No Guarantees: Past performance is not a reliable indicator of future results.

Risk of Loss: Invest only what you can afford to lose without jeopardizing your financial stability. Market conditions and outcomes can vary widely.

Independent Decision-Making

Our AI tools surface budgeting insights, projections, and calculators, but all decisions remain yours. Pearl does not endorse or guarantee the suitability of any particular investment, account, or strategy. Evaluate each option against your own goals, risk tolerance, and circumstances.

Consult Qualified Professionals

Pearl does not offer legal, tax, accounting, or personalized financial advice. Before acting on any information from Pearl, consult a licensed professional who understands your unique situation.

Third-Party Services

Account connections (e.g., via Plaid) and other third-party integrations are provided for convenience. Pearl is not responsible for the security, availability, or performance of third-party services.

Accuracy & Availability

Pearl strives to provide accurate and reliable information; however: All content is provided "as is," without warranties—express or implied—of accuracy, completeness, timeliness, merchantability, or fitness for a particular purpose.

Limitation of Liability

Pearl disclaims liability for any direct, indirect, incidental, or consequential losses arising from:

  • Use of, or reliance on, the Pearl platform or content;
  • Market movements or unforeseen external events;
  • Interruptions or inaccuracies in third-party services.

Compliance & Future Access

Pearl operates in accordance with applicable laws and will make investment automation available only after full regulatory clearance. Users are responsible for ensuring their own compliance with the laws of their jurisdiction.

By joining the waitlist, connecting accounts, or otherwise using Pearl, you acknowledge and accept this Disclaimer, together with our Terms of Service and Privacy Policy. For questions, email [email protected].

Pearl Tech Inc.